Homeowners Insurance

Homeowners insurance allows individuals to feel safe and protected in their home. At Kaysons Insurance Agency, we understand the importance of customizing each homeowner insurance policy to meet the exclusive needs of both the home and the homeowner.

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Standard Homeowners Insurance Coverage Includes:

  • Dwelling Protection – Covers damage to your home due to fire, lightning, smoke, storm damage, vandalism and other perils. It is important to purchase enough dwelling coverage to cover the cost to rebuild. Learn more about the cost to rebuild you home by having us run a cost estimator based on your specific home features.
  • Extended Replacement Coverage – Depending on the carrier will pays up to 200% above the policy limit to replace a damaged home in the event of a total loss.
  • Other Structures – Pays for damage to detached structures like garages, sheds, fences that are on the insured location .
  • Personal Property – Pays the replacement value on property damaged by a covered loss – with no deduction for depreciation – subject to your policy limits and deductibles. Special limits apply to certain items such as jewelry, watches, furs, and silverware.
  • Additional Living Expenses – Provides coverage for living expenses if you home becomes uninhabitable as a result of a covered loss.
  • Personal Liability Protection – Helps protect your assets and cover your defense costs in the event of a lawsuit, because you or your family members are responsible for causing injuries or damage to other people or their property.
  • Guest Medical – Pays medical expenses for your guest who are accidentally injured on your property.

Additional Homeowners Insurance Coverage Options Include:

  • Flood Insurance
  • Earthquake Insurance
  • Scheduled Personal Property Coverage – Provides higher limits and expanded protection for special classes of property such as jewelry, silverware, fine arts, furs, cameras, musical instruments, guns, and home computers to list a few.
  • Identity Theft Protection
  • Equipment breakdown
  • Building ordinance coverage
  • Coverage for water back-up

Allow the insurance professionals at Kaysons Insurance Agency to provide your most important investment with unparalleled protection. You deserve to feel peace of mind in the comfort of your own home.

Disclaimer:

The definitions are only a general description of the coverage.

 

You must read your policy for actual definitions, limitations, and coverage limits as each has their own language and coverage limits.